CNB Bank: how it compares with its peers
Against 9 NM banks with half to twice its assets, CNB Bank's strongest measure in Q2 2026 is assets per employee ($9.0M vs. a $7.8M peer median). Its weakest relative measure is return on assets (2.16% vs. 2.06%).
| Measure | CNB Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.16% | 2.06% | Middle third Ahead of 56% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.50% | 4.31% | Middle third Ahead of 56% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 48.51% | 52.30% | Top third Ahead of 78% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.0M | $7.8M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 82.16% | 70.30% | Context |
What it means for lending operations
Its efficiency ratio of 48.51% is better than the 52.30% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Pioneer Bank Roswell, NM · $1.09B
- Citizens Bank of Las Cruces Las Cruces, NM · $1.17B
- Western Commerce Bank Carlsbad, NM · $864M
- The Citizens Bank Farmington, NM · $804M
- InBank Raton, NM · $1.35B
- Century Bank Santa Fe, NM · $1.36B
Questions about CNB Bank
How big is CNB Bank?
CNB Bank, established in 1924, is headquartered in Carlsbad, NM. It reported $1.07B in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is CNB Bank's return on assets?
2.16% annualized in Q2 2026, against a 2.06% median for 9 NM banks with half to twice its assets, ahead of 56% of them.
What is CNB Bank's efficiency ratio?
48.51% in Q2 2026: it spent about 49 cents in noninterest expense for each dollar of revenue. The peer median is 52.30%, and lower is better.
Is CNB Bank growing its loans?
Net loans grew 20.4% over the year to Q2 2026, while deposits grew 16.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NM banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New Mexico bank ranked.